Job Application for Financial Crime Investigator - Anti Money Laundering (AML) at Monzo

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🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us.

With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers!

We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

Hear from our UK team about what it's like working at Monzo ✨

📍Remote in the UK | 💰 £26,000 - £29,400 + Benefits | Hear from the team ✨

Start date - Monday 1st September 2025

Shifts - You'll work 37.5 hours per week. This means you'll work Monday to Friday, from 9AM to 5:30PM, with a one hour lunch break. You'll also work one full weekend (Saturday and Sunday), once every 8 weeks.

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out.

About us:

We’re here to make money work for everyone and we're doing things differently. For too long, banking has been obtuse, complex and opaque.

We want to change that and build a bank with everyone, for everyone. Our amazing community suggests features, test the app and give us constant feedback so we can build something everyone loves.

We're focused on solving problems, rather than selling financial products. We want to make the world a better place and change people's lives through Monzo.

Are you looking to start, or continue building, a career in financial crime prevention? We are looking for proven problem solvers to join our team as Anti-Money Laundering Investigators and help us on our mission to make money work for everyone.

As a member of our anti-money laundering team, you'll spend your time:

Analysing potentially unusual or suspicious behaviour on customer accounts flagged by our transaction monitoring system, and deciding what action (if any) Monzo should take.
Documenting suspicious activity you identify in your role, and sending it to the National Crime Agency to support them with their investigations.
Locking down money that has been obtained through fraud, so that it can be returned to victims.
Closing customer accounts, when this is necessary, and ensuring money is returned to the correct place.
Responding to escalations about potential financial crime concerns from your colleagues in the customer support team.
Reviewing and approving customer requests to increase their payment limits, to help ensure high value payments are made safely.

You should apply if:

You have experience of handling challenging customer cases in a regulated industry, or have existing operational financial crime experience.
This might mean that you handle difficult complaints, investigate fraud or transaction disputes, make tough customer onboarding decisions, work with customers to build repayment plans, or review potential money laundering concerns.
We’ll also consider any other relevant experience that would add value in this role.
You are interested in learning about emerging trends in the world of financial crime.
You love connecting dots, spotting patterns in data, and independently solving problems.
You feel confident making difficult, customer-impacting decisions.
You’re great at explaining complex ideas simply, and have strong written English.
You’re excited by our mission of making money work for everyone.
You are self-motivated and take ownership of your own performance.
You're keen to invest in your personal development and continuous learning - we’ll even support you in signing up for industry-recognised qualifications.

Although this role is advertised for Anti Money Laundering, we may ask you to flex between our other Financial Crime pillars - Business Banking Fincrime, Screening or Law Enforcement. We’ll always give you additional training though anytime we ask you to take on new skills or task types!

The interview process:

Our interview process involves 2 main stages:

Application questions (we recommend about 250 words per question but please take your time, we read these carefully!)
1 hour interview, Values & Role specific

Our average process takes around 2-3 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your hiring process, but if you do have any specific questions before this please contact us on sophiewalker@monzo.com. Please also use that email to let us know if there's anything we can do to make your application process easier for you, because of disability, neurodiversity or any other personal reason.

💰 £26,000 - £29,400 ➕ plus stock options & benefits

📍This role is remote in the UK but you can work in our Cardiff office if you live locally and prefer an office environment

🎂 We guarantee to approve time off on your birthday if it falls on a day you’re scheduled to work and it’s outside of your training period.

📚 Learning budget of £1,000 a year for books, training courses and conferences

➕ And much more, see our full list of benefits here

#LI-REMOTE #LI-SW

Equal opportunities for everyone

Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report.

We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status.

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

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We legally have to verify your Right to Work in the UK before you can start working for us. We're asking for this information now so we know later what type of right to work check we need to do. Your answer to this question won't affect the outcome of your application, unless you'd need visa sponsorship but are applying to a role we can't sponsor.

Please confirm you are able to start with us on Monday 1st of September?

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If you’d like to, please share your preferred pronouns (eg. they/them/theirs, she/her/hers).

If you'd like to, please spell out your name how it's pronounced so we know how to say it.

Working in Financial Crime means that sometimes we have to make difficult, customer-impacting decisions such as closing an account. Describe a specific time in a previous role where you had to deliver a difficult or unwelcome outcome to a customer or stakeholder. Please walk us through the situation, your personal thought process for reaching that decision, how you balanced the company's policies or risks against the individual's situation, and what you learned from the experience.

Tell us about a time you had to solve a complex problem or investigate an issue where the available information was incomplete, unclear, or even conflicting. Tell us what steps you took to find clarity. How did you decide what information was most important, what actions did you take to get the answers you needed, and how did you build your confidence to make a final decision?

We encourage our team to be holistic in their approach to Financial Crime. Therefore this role isn't just about handling cases that are flagged by our system, it's also about understanding the bigger picture. Can you tell us about a specific financial crime trend or typology you have learned about recently (e.g. a new type of scam, a money laundering method, or a fraud technique). Briefly explain the trend and, more importantly, why you believe it poses a particular risk to a digital-first bank like Monzo.

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Our goal at Monzo is to make money work for everyone. To do that, working at Monzo must work for everyone. We want to create an equitable, engaged and innovative workplace which gives people from all backgrounds the support they need to thrive and grow.

Making Monzo work for everyone starts right at the beginning of every Monzonaut's journey: when they apply to work here. This demographic survey will help us better understand the people who apply to work at Monzo. It'll help us see how different groups progress through our hiring process, and where we need to make improvements to be more inclusive. If you choose to fill it out, all of the information you give us is:

Voluntary. And we've included a "prefer not to say" option for every question. It'd be helpful if you still fill out the survey even if you choose "prefer not to say" for every question, as it's useful for us to understand & record this. We won't know if you choose to fill this survey in or not.
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Financial Crime Investigator - Anti Money Laundering (AML)

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